Required Minimum Distribution (RMD) Calculator
Compute mandatory annual IRS retirement distributions under SECURE 2.0 rules.
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How to Use the RMD Calculator: IRS Required Minimum Distribution 2026
- 1Enter your age in the distribution tax year (RMDs start at age 73).
- 2Input your total aggregate retirement balance as of December 31 of the previous year.
- 3Review your calculated annual and monthly required minimum withdrawal amounts.
- 4Take distributions before December 31 to avoid the 25% IRS excise tax penalty.
Formula & How It Works
IRS Uniform Lifetime Distribution Formula
Calculates required annual distribution based on actuarial life expectancy.
Worked Examples
Age 75 with $350,000 Traditional IRA
Input: Age 75, Prior Year Balance: $350,000 (IRS Factor: 24.6)
Explanation: $350,000 / 24.6 = $14,227.64 mandatory withdrawal for the tax year.
Frequently Asked Questions
At what age do Required Minimum Distributions start?▼
Under the SECURE 2.0 Act, RMDs begin at age 73 for individuals born between 1951 and 1959, and increase to age 75 for individuals born in 1960 or later.
What is the penalty for failing to take an RMD?▼
SECURE 2.0 reduced the penalty from 50% to 25% of the shortfall, which can be further reduced to 10% if corrected in a timely manner.
Can I withdraw more than the required minimum amount?▼
Yes. You may withdraw more than the minimum at any time, but withdrawals above the RMD do not carry forward to reduce future years' requirements.
Can an RMD be satisfied through a Qualified Charitable Distribution (QCD)?▼
Yes. Individuals aged 70½ and older can transfer up to $105,000 directly to qualified 501(c)(3) charities to satisfy their RMD without counting as taxable income.
Quick Reference & Conversion Table
| Age | IRS Life Factor | RMD on $200k Balance | RMD on $500k Balance |
|---|---|---|---|
| 73 | 26.5 | $7,547 | $18,868 |
| 75 | 24.6 | $8,130 | $20,325 |
| 78 | 22.0 | $9,091 | $22,727 |
| 80 | 20.2 | $9,901 | $24,752 |
| 85 | 16.0 | $12,500 | $31,250 |
⚠️ Common Pitfalls to Avoid
- •Missing the December 31 distribution deadline, which incurs an IRS excise tax penalty of up to 25% on the undistributed amount.
- •Assuming Roth IRAs require RMDs (original Roth IRA owners have zero RMD obligations).
💡 Practical Real-World Uses
- •Calculating annual tax withholding on mandatory retirement plan distributions.
- •Planning Qualified Charitable Distributions (QCDs) up to $105,000 directly from an IRA to satisfy RMDs without increasing taxable income.
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